The Five Most Common Exclusions on a General Liability Policy Most general liability policies cover accidental bodily injury or property damage that you cause to someone else, but not all of them cover every accident scenario. Knowing what doesn’t get covered on a policy can save you from costly mistakes in the future. Here are …
The Risk of Not Having Employment Practices Liability Coverage Employment practices liability insurance (EPLI) covers many different things, including employment related cases involving discrimination, wrongful termination and sexual harassment, among others. If your business doesn’t have this coverage, or only has a small amount of it that won’t pay out if you get sued, you …
5 Reasons Your Small Business Should Have Business Insurance Many small business owners make the mistake of assuming their personal car insurance will cover them if something goes wrong at work. This isn’t true, however, because business insurance and personal insurance are different things entirely. Before you get too far into the details of your …
Reasons a Business Owner Policy is Different from General Liability One of the most frequently asked questions from business owners regarding insurance involves the differences between Business Owner Policies and General Liability policies. You may be wondering why you need one policy over another, or if you even need them at all. So these are …
Things to Know About New York State Short Term Disability Insurance If you’re living in New York and are looking to purchase Short Term Disability Insurance, there are 7 things you should know first. Some of these tips will help you determine whether Short Term Disability Insurance is right for you at all, and some …
Ways Your Loss Ratio Affects Your Business Insurance Premium Loss ratio is one of the most important factors that insurance companies use when determining your business insurance premium, so you’ll want to pay close attention to it. There are 7 major ways that your loss ratio can affect your premium, and knowing them will help …
Everything You Need to Know About Landlords Insurance Policies There’s no shortage of risks to think about when you own rental property, from storm damage to water damage to theft to damage caused by renters themselves and many more. That’s why the majority of landlords take out insurance policies, but that doesn’t mean that they …
Reasons Why You Need an Umbrella Policy Insurance You might have heard of umbrella insurance, but aren’t sure what it actually does or why it’s important to have. Umbrella policies are designed to cover you in the event that the liability protection your other insurance plans don’t work out, and in many cases can even …
In these article of 7 Things to Look for in an Insurance Agent Before You Buy or selling, Finding an insurance agent you can trust with your life and your finances can be difficult, especially if you don’t have much experience with them. As one of the most important decisions you make in life, it’s …
When it comes to making important financial decisions, there’s nothing more important than knowing which insurance policies you need and how to buy them effectively. For example, what exactly should you know about life insurance? Here are the insurance policies you should know about. Auto Insurance For starters, if you’re a car owner, then auto …
There are many reasons why you might need to ask your insurance company for payment. Maybe your doctor’s office will only accept cash, or maybe your insurance provider’s policies have changed, or maybe you just need to pay upfront and get reimbursed later. Whatever the reason may be, here are ways you can ask for …
Bankruptcy can be terrifying, and it’s easy to think you’ll be ruined if you declare yourself bankrupt. But don’t let that fear control you! Bankruptcy affects many people every year, and most of them recover successfully—you can too! Learn how bankruptcy works, how to prevent it from happening to you, and what steps to take …
As a student, you might be juggling school work, extracurricular activities and any number of jobs in order to finance all this extra activity. If you’re not careful, you could easily find yourself in a position where your debt begins to spiral out of control. Here are 7 ways to monitor your debt as a …
Many people sign up for insurance without realizing all of the factors that go into it. Whether you’re looking to cover your house or your car, you should always do your homework and ask the right questions before working with an insurance company. Here are 7 Questions You Should Ask Before Working With An Insurance …
Home insurance protects your home against damages, losses, and catastrophes, including weather-related damage, theft, and vandalism. So In this post we will open up to what you need to know about home insurance. Home insurance can also protect you against liability if someone is injured while on your property that is insured. What you need …